Instant payments are transforming the financial landscape—but their success depends on intuitive, secure, and interoperable ways to initiate transactions. QR codes are not just links or proprietary tools. They are standardized, dynamically generated codes that securely connect consumers, merchants, and financial institutions across payment networks like FedNow and RTP. This Cornerstone Advisors report, commissioned by Matera, redefines payment QR codes and reveals how QR codes can bridge the gap between existing infrastructure and consumer behavior, accelerate instant payment adoption, and unlock new efficiency for the entire ecosystem.
